JPMorgan Chase Bank, Dearborn: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 499.91% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 499.91% (RCFAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 507.91% +501.41 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $71.0M | 70,955 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $14.0M | 13,970 | RCFAA223 |
| Recomputed ratio | 507.91% | numerator / denominator | |
| Filed ratio | 507.91% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +501.41 pp | $70.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 507.91% +499.91 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $71.0M | 70,955 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $14.0M | 13,970 | RCFAA223 |
| Recomputed ratio | 507.91% | numerator / denominator | |
| Filed ratio | 507.91% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +499.91 pp | $69.8M | capital that could be lost first |
Total risk-based capital ratio 507.91% +497.91 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $71.0M | 70,955 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $14.0M | 13,970 | RCFAA223 |
| Recomputed ratio | 507.91% | numerator / denominator | |
| Filed ratio | 507.91% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +497.91 pp | $69.6M | capital that could be lost first |
Tier 1 leverage ratio 99.63% +94.63 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $71.0M | 70,955 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $71.2M | 71,221 | RCFAA224 |
| Recomputed ratio | 99.63% | numerator / denominator | |
| Filed ratio | 99.63% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +94.63 pp | $67.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 56,653 | 56,653 | 56,653 | 56,653 | 56,653 | 56,653 | RCFAP742 |
| Retained earnings | 14,302 | 13,776 | 13,290 | 12,738 | 12,160 | 11,551 | RCFAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 70,955 | 70,429 | 69,943 | 69,391 | 68,813 | 68,204 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 70,955 | 70,429 | 69,943 | 69,391 | 68,813 | 68,204 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 70,955 | 70,429 | 69,943 | 69,391 | 68,813 | 68,204 | RCFA8274 |
| Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFA5311 |
| Allowance includable in Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFA5310 |
| Total capital | 70,955 | 70,429 | 69,943 | 69,391 | 68,813 | 68,204 | RCFA3792 |
| Total risk-weighted assets | 13,970 | 13,899 | 13,766 | 13,648 | 13,549 | 13,461 | RCFAA223 |
| Average total assets for the leverage ratio | 71,221 | 70,752 | 70,211 | 69,673 | 69,045 | 68,494 | RCFAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $69.6M | $13.9M | 20.00% | 99.67% | RC-R Part II, item 1 |
| All other assets | $1.8M | $46K | 2.50% | 0.33% | RC-R Part II, item 8 |
| Market risk and other approaches | NA | $200 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $14.0M | ties to item 31 ($14.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $14.0M | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $14.0M | RCFDG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 507.91% | 507.91% | 507.91% | 99.63% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | Risk-based | 506.72% | 506.72% | 506.72% | 99.54% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | Risk-based | 508.09% | 508.09% | 508.09% | 99.62% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | Risk-based | 508.43% | 508.43% | 508.43% | 99.60% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | Risk-based | 507.88% | 507.88% | 507.88% | 99.66% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | Risk-based | 506.68% | 506.68% | 506.68% | 99.58% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | Risk-based | NA | NA | NA | 99.68% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | Risk-based | NA | NA | NA | 99.65% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | Risk-based | NA | NA | NA | 99.66% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | Risk-based | NA | NA | NA | 99.56% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | Risk-based | NA | NA | NA | 99.67% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | Risk-based | NA | NA | NA | 99.61% | 20.70% | 20.70% | 21.86% | 12.73% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| JPMorgan Chase Bank, Dearborn (this bank) | Risk-based | 507.91% | 507.91% | 507.91% | 99.63% | |
| Boonville Federal Savings Bank | $71.5M | Risk-based | 15.49% | 15.49% | 16.74% | 8.85% |
| Homestead Savings Bank | $71.6M | Risk-based | 18.22% | 18.22% | 19.48% | 9.42% |
| The First National Bank in Marlow | $71.8M | Risk-based | 13.14% | 13.14% | 14.40% | 8.15% |
| Security Bank and Trust Company | $71.8M | CBLR | NA | NA | NA | 15.74% |
| The Peoples Savings Bank | $71.9M | CBLR | NA | NA | NA | 13.45% |
| Battle Creek State Bank | $71.0M | Risk-based | 16.51% | 16.51% | 17.17% | 14.45% |
| Citizens State Bank of Lankin | $72.1M | CBLR | NA | NA | NA | 10.13% |
| First Heritage Bank | $72.1M | CBLR | NA | NA | NA | 10.21% |
| Security State Bank of Kenyon | $72.2M | Risk-based | 15.77% | 15.77% | 16.78% | 12.56% |
| Peer 25th percentile | 15.49% | 15.49% | 16.74% | 9.42% | ||
| Peer median | 15.77% | 15.77% | 16.78% | 10.21% | ||
| Peer 75th percentile | 16.51% | 16.51% | 17.17% | 13.45% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/651448/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.